Aye Finance Peer Comparison

NSE: AYE | BSE: 544699

₹153.28

₹-6.61 (-4.13%)

As on 16-Oct-2026IST

Market cap

₹3,782 Cr

Revenue (TTM)

₹1,815 Cr

P/E Ratio

19.5

P/B Ratio

1.5

Div. Yield

0 %

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	Aye Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Market cap (₹ Cr)	3,782	31,025	30,434	23,804	19,807
Revenue (₹ Cr)	1,815	404	10,285	5,303	6,380
Net Profit (₹ Cr)	193.63	305.93	1,445.41	1,127.63	1,210.84
Net Margin (%)	10.39	74.72	14.02	21.20	18.97
RoE (%)	9.39	1.41	10.08	16.25	16.14
Price to Earnings	19.53	72.00	21.00	21.11	16.36
Price-To-Book	1.47	1.06	1.89	3.17	2.40

Income Statement
Liabilities
Assets
Cashflow
Ratios

Income Statement (₹ Cr)

	Aye Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Operating Income	1,814.73	397.33	9,509.41	4,731.14	6,058.92
Other Income	48.51	6.13	15.30	12.92	3.62
Total Income	1,863.24	403.46	9,524.71	4,744.06	6,062.54
Interest Expense	538.75	0.57	3,785.61	1,730.09	1,905.13
PBT & Exceptional Items	247.30	356.98	1,270.22	1,257.41	1,033.20
Operating Expenses	1,050.88	42.03	4,162.31	1,647.01	3,061.13
Exceptional Income/Expenses	--	--	--	--	--
Profit before Tax	247.30	474.08	1,270.22	1,257.41	1,033.20
Taxes	53.67	40.40	277.05	308.26	255.56
Profit after Tax	193.63	433.68	993.16	949.15	777.64
Minority Interest	--	--	6.48	--	--
Share of Associate	--	--	--	--	--
Consolidated Profit	193.63	433.68	1,003.32	949.15	777.64

Liabilities (₹ Cr)

	Aye Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Shareholder's Funds	2,532.71	29,221.15	16,050.74	7,203.48	7,842.25
Minority Interest	--	--	6.48	--	--
Non-Current Liabilities	2,593.00	3,498.26	29,293.66	17,582.63	11,521.13
Current Liabilities	2,593.85	254.55	29,722.88	8,769.12	13,462.67
Total Liabilities	7,772.94	32,973.97	75,691.91	33,637.47	33,153.91

Assets (₹ Cr)

	Aye Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Non-Current Assets	6,461.60	31,857.51	66,236.38	29,572.62	29,933.70
Current Assets	1,257.96	1,116.45	8,837.38	3,982.61	2,892.35
Total Assets	7,772.94	32,973.97	75,691.91	33,637.47	33,153.91
Contingent Liabilities	15.80	--	136.28	7.07	--

Cashflow (₹ Cr)

	Aye Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Cash From Operating Activities	-1,354.64	279.39	-20,237.75	-8,727.78	-2,770.21
Cash Flow from Investing Activities	-125.36	-147.97	-1,631.53	-1,088.40	-100.65
Cash from Financing Activities	1,169.22	-137.57	23,834.45	10,391.44	2,750.95
Net Cash Inflow / Outflow	-310.78	-6.15	1,965.17	575.26	-119.91

Ratios

Profitability Ratios

	Aye Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
ROCE (%)	11.45	1.57	8.35	11.68	9.98
ROE (%)	9.39	1.44	7.11	16.60	10.59
ROA (%)	2.77	1.27	1.54	3.45	2.52
EBIT Margin (%)	44.76	90.97	56.39	65.46	49.54
Net Margin (%)	10.39	107.49	10.43	20.01	12.83
Cash Profit Margin (%)	12.12	110.13	13.67	22.38	13.88

Growth Ratios

	Aye Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Revenue Growth (%)	24.32	30.24	-5.01	45.67	5.33
EBIT Growth (%)	13.02	35.20	-2.04	54.17	10.10
Net Profit Growth (%)	13.06	38.96	-17.50	98.35	46.34
EPS Growth (%)	-12.63	38.96	-25.66	70.10	45.90
Book Value Growth (%)	53.37	-6.01	24.70	67.97	12.59

Valuation Ratios

	Aye Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Price / Earnings	12.05	63.11	23.50	16.81	23.80
Price / Book Value	0.93	0.94	1.52	2.23	2.38
Dividend Yield (%)	0.00	0.63	0.80	0.12	0.00
EV/EBITDA	7.86	75.70	13.94	12.25	13.62
Market Cap (₹ Cr)	2,332.47	27,369.52	23,577.62	15,957.18	18,508.79

Solvency Ratios

	Aye Finance	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Debt to Equity	2.01	0.00	3.69	3.36	3.04
Short term debt to equity ratio	0.96	0.00	1.74	1.02	1.65
Current Ratio	0.49	4.39	0.30	0.45	0.21
Quick Ratio	0.49	4.39	0.30	0.45	0.21
Interest Coverage	1.46	834.33	1.34	1.73	1.54

Annual
Quarterly